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South Florida Sun-Sentinel - Fort Lauderdale Sun-Sentinel
Lisa Murzin-Pelcz needs a miracle to climb out of a foreclosure hole that's getting deeper every month as she misses each mortgage payment. She's dangerously close to losing the house in East Hartford where she has lived for the past 12 years with ...

Top National News Right Now - WPRI
BRUSSELS, Belgium (AP) - Secretary of State Condoleezza Rice says NATO will not allow Russia to destabilize Georgia, intimidate other pro-Western governments in the former Soviet bloc or re-establish an Iron Curtain across Europe. Speaking to ...

Seawall divides city - Corpus Christi Caller
George Gongora/Caller-Times State law creates a public easement of 200 feet along all beaches. By the mid-1990s, the beach (seen at high tide) had eroded so much that nearby hotels and condos were within the public easement. The state Legislature ...

Housing stories and features - Orlando Sentinel
To the relief of landowners, some of whom had driven for hours or flown in from out of town, the Deltona City Commission killed a tax plan that would have slapped about 200 property owners with a total of $83 million in taxes over 30 years. As ...

Bond issue change sought - Baton Rouge Advocate
A proposal to refinance a $120 million bond issue for Mayor-President Kip Holden’s Green Light Program got a lukewarm reception Wednesday from a Metro Council committee. Bond attorney Richard Leibowitz said the refinancing is necessary because the ...

Video - New National Poll: Majority of Americans Oppose Expanded Role ... - PR Newswire
WASHINGTON, Nov. 1 /PRNewswire/ -- As Congress debates how to solve the mortgage credit crunch, a new survey by Freedom Works indicates a majority of Americans don't want Uncle Sam to foot the bill. "I don't think we should look towards government ...

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Today's Mortgage Terms starting with P

  • Payment Cap: A limit on the size of the monthly payment of an adjustable-rate mortgage or other variable rate loan.
  • Point: A point is equivalent to 1 percent of a mortgage loan. Lenders might charge "origination points" to cover expenses of processing a loan. Some borrowers might pay "discount points" to reduce the loan's interest rate.
  • Pre-Approval: The process of calculating how much money a potential homebuyer could borrow.
  • Prepayment Penalty: A lender's charge to the borrower for paying down the loan before the end of its term.
  • Pre-Qualification: A non-binding process of calculating how much money a potential homebuyer can borrow before applying for a loan. Information submitted during pre-qualification is subject to verification at application.
  • Principal: It is the amount of money borrowed or owed, excluding interest.

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